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  1. Home
  2. Auto-Purchase
  3. Vehicle Protection Plan
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Vehicle Protection: Drive easy

Choose the perfect protection plan and drive with confidence.

What is Vehicle Protection?

Your factory warranty's great, but it stops too soon. PenFed's Vehicle Protection Plan picks up where it leaves off, saving you from unexpected repair bills and even throwing in extras like roadside help and rental car cash.

Protection Plans

Easy Street / Newer Cars

For current year plus 2 model years older vehicles with 0 - 15,000 miles on the odometer.

Coverage
6 years or until the odometer reaches 100,000 miles; whichever comes first.

Pricing
Standard Vehicles: $1,245

Sample Contract
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Easy Street

For vehicles 8 model years old or newer with 75,000 miles or less on the odometer.

Coverage
5 years or until the odometer reaches 100,000 miles; whichever comes first.

Pricing
Standard Vehicles: $1,745
Premium*/Hybrid Vehicles: $2,995

Sample Contract
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Main Street

For vehicles 8 model years old or newer with 75,001 - 125,000 miles on the odometer.

Coverage
36 months or 36,000 miles from time of purchase; whichever is first.

Pricing
Standard Vehicles: $1,745
Premium*/Hybrid Vehicles: $2,995

Sample Contract
vehicle crash icon
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Features and Benefits

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$0 deductible

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Nationwide coverage

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24/7/365 Emergency roadside service

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60 day money-back guarantee

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Direct claim payments via Visa/Mastercard

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Add vehicle coverage during the loan application process

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To add coverage to a vehicle financed with PenFed, contact a PenFed representative

*Premium Vehicles

The following vehicles are examples of Premium Vehicles for pricing: BMW - 1, 3, 5, Series, Any V10, Mercedes - C & E Class (all CL Class Mercedes vehicles are excluded), Cadillac, Hummer, Volvo, Mini Cooper, All Hybrids and All Diesels.

Disclosures

These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by, PenFed or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. You may obtain insurance to protect your loan from an entity not affiliated with PenFed.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of May 2025 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

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